SYF insider increases holding to 3,297 shares with 775 RSU grant

Rhea-AI Filing Summary

Daniel O. Colao, a Director of Synchrony Financial (SYF), was reported to have acquired 775 restricted stock units on 09/30/2025 at an implied price of $71.05 per share. After the transaction he beneficially owned 3,297 shares. The filing states these restricted stock units will vest in full on 09/30/2026, and each unit represents the contingent right to one share of common stock. The Form 4 was signed on behalf of the reporting person by an attorney-in-fact on 10/02/2025. The record shows an insider acquisition of equity-based compensation that converts to common stock upon vesting one year after grant.

Positive

• Director acquired 775 RSUs on 09/30/2025, indicating continued alignment with shareholders
• RSUs vest in full on 09/30/2026, creating a one-year retention incentive
• Beneficial ownership increased to 3,297 shares following the reported grant

Negative

• None.

Insights

Corporate Governance Analyst

Director received time‑vested RSUs totaling 775 shares that vest in one year.

The Form 4 discloses an acquisition of 775 restricted stock units on 09/30/2025, priced at $71.05 per share and vesting in full on 09/30/2026. This is equity compensation rather than an open‑market purchase, indicating alignment of the director's incentives with long‑term shareholder value through future share delivery.

The filing reports beneficial ownership of 3,297 shares following the grant. Because the units are contingent until vesting, the immediate change to voting power and share float is limited until conversion.

Insider Activity Monitor

Insider granted RSUs — monitor vesting date for share issuance.

The transaction code and explanation indicate these are restricted stock units that will convert to common stock on 09/30/2026. The reported price is $71.05 per share for calculation purposes in the filing.

This filing is informational; the concrete, monitorable milestone is the 09/30/2026 vesting date when up to 775 shares may be issued.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

COLAO DANIEL O

(Last) (First) (Middle)

C/O SYNCHRONY FINANCIAL

777 LONG RIDGE ROAD

(Street)

STAMFORD CT 06902

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Synchrony Financial [ SYF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
09/30/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/30/2025(1)		A		775	A	$71.05	3,297	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents restricted stock units that will vest in full on September 30, 2026. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock.

Remarks:

	/s/ Danielle Do, as attorney-in-fact	10/02/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Synchrony Financial director Daniel O. Colao report on Form 4 (SYF)?

The Form 4 reports an acquisition of 775 restricted stock units on 09/30/2025, at an indicated price of $71.05, increasing beneficial ownership to 3,297 shares.

When do the restricted stock units reported by SYF insider vest?

The filing states the restricted stock units will vest in full on 09/30/2026.

Are the reported RSUs immediately convertible to shares?

No. The filing describes them as restricted stock units that are contingent rights to receive one share each and will vest on 09/30/2026.

Who signed the Form 4 for the reporting person and when was it filed?

The Form 4 was signed by Danielle Do, as attorney-in-fact, and the signature date is 10/02/2025.

How many shares will the RSUs convert into when vested?

Each restricted stock unit represents the contingent right to receive one share, so 775 RSUs would convert into 775 shares upon vesting.